These days, there are many consumers who simply cannot pay the high monthly minimum payments on their credit card debts. Their guilt about that will make their likely encounter with credit card debt collectors all the worse.

A few on the other hand, however, realize if they get control of their guilty feelings about their credit card debt, they can Eliminate credit card debt And begin to put their financial problems behind them.

The first step to overcoming that guilt, according to the Credit Card Debt Survival Guide, is disputing and denying the debt any credit card debt collector, other then the original creditor, calls about. Not admitting to an unsecured credit card debt and denying it is a legal strategy which forces the other side to properly document their claim, or drop it. It is not an indication of character. All it means is that the other side will have to prove that they have a case against you.

A credit card debt collector is required by the Fair Debt Collection Practices Act to send a statement to the consumer with the debt saying that: (1) The debt collector can assume that the debt is valid if the consumer does not dispute the debt’s validity and (2) In order to dispute the debt, the consumer must dispute the debt in writing within 30 days, by sending a letter to the debt collector.

The Fair Debt Collection Practices Act also allows consumers to write to the credit card debt collector stating that they refuse to pay the debt, or that they would like the debt collector to stop all communication regarding the debt.

If a consumer follows this advice and refuses to admit to the credit card debt, by disputing it and denying it, and then writes to the credit card debt collector asking them to cease communications regarding the debt, that may cause the debt collector to decide to collect from other easier-to-deal-with consumers. For them to proceed with the task of recovering this debt, they will need to prove the debt exists by getting copies of original documents from the credit card company and sending them on to the consumer.

According to the Credit Card Debt Survival Guide, for an unsecured, unsigned credit card debt, the first thing a credit card debt collector must do is to get the consumer to admit to the debt; to take ownership of it, to admit “guilt.” That one exchange between the consumer and the credit card debt collector sets the tenor for the rest of the debt collection communications between the two. But, if the consumer denies and disputes the alleged debt and forbids further communications, the collector will likely move on to an easier target.

Many consumers file for bankruptcy because they talked to an attorney who recommended it. This article could have a disclaimer like, “For legal advice you should consult an attorney.” The problem is (1) attorneys have nothing else to recommend besides bankruptcy, and (2) few attorneys are knowledgeable in consumer debt issues. They are ignorant of the fact that collection attorneys have difficulty documenting credit card debt to the standard required by a court of law and its rules of civil procedure. In addition the attorney is guaranteed to get paid in a bankruptcy, while there is very little money to be made representing a “guilty” credit card debtor.

Bankruptcy can be a very serious, life-altering event. You may not qualify for Chapter 7 liquidation. Instead, you can be forced into Chapter 13 and a payment plan if you have sufficient income. Bankruptcy stays on your credit report for 10 years. In addition you will always have to answer the question, “Have you ever been through bankruptcy?’ affirmatively. According to the Credit Card Debt Survival Guide, debt collectors and collection attorneys have difficulty documenting credit card debt, particularly if they represent a junk debt buyer to whom the debt has been sold. According to the guide, a credit card debt lawsuit can be avoided. What is required is the proper written communication to the debt collector or collection attorney.

The summons for a credit card debt lawsuit arrives AFTER the collection attorney has decided that the consumer is a good “guilty” candidate, meaning the consumer has sent nothing demanding proper documentation of the debt. Or, in some states where it costs little or nothing to file a complaint at the court, the collection attorney does not respond to answers to summonses that point out there was improper or no documentation furnished.

Consumers should revise their thinking about bankruptcy when it comes to credit card debt. The selective informal bankruptcy with non-payment of credit card debt is the effective debt solution to consider.

Matt Highlander researched the Credit Card Debt Survival Guide. Learn about debt settlement and legal nonpayment strategies to Eliminate credit card debt. Matt Highlander is a contributing writer. Www.credit-card-debt-survival.com

Too many times over the past year, I have had to choose between paying credit card debt and paying for the necessities of life like rent, food, health care, etc. I lost my job six months ago, and the unemployment checks just don’t cover expenses.

So what do you do when you can barely afford to pay your credit card bills? I guess you stop paying them. So then what happens? Eventually the debt collectors start calling. So I need a plan to deal with them.

I have been searching online for answers on how to deal with debt collectors. It has been hard to avoid the debt settlement companies and debt elimination scams. They all try to seduce you with, “Let us take this problem off your hands.” But, from what I have read, when you do that, the problem gets a lot worse because you are not aware of what is going on with your creditors.

In my hours of searching online, I came across a blog by a fellow who was doing the same thing I am going to do,find a way to eliminate credit card debt by not paying it. He searched for answers and finally found an e-book titled the Credit Card Debt Survival Guide, whose author explains in detail how he successfully stopped paying his credit cards and eliminated his debt by frustrating debt collectors. Still somewhat skeptical, I liked the guy’s 90 day money-back guarantee and found the answers I need to proceed. Bankruptcy is the elephant in the room in this blog. It is a shame to have to file for bankruptcy protection from unsecured credit card debt. Apparently the 2005 bankruptcy law changes make it harder to get protection from credit card companies, if you are in bankruptcy. Plus, your credit is ruined for 10 years, as opposed to a maximum of 7.5. Fortunately I can stop payment and use available consumer laws, if I need to, to eliminate my credit card debt.

My plan is to eliminate credit card debt by not paying it. I stopped paying my credit card a few months ago. The interest rate and monthly minimum payments became too high. I could not pay the credit card banks and have enough left over for monthly necessities.

I used to make a lot more money than I do now. I spent a lot and carried a lot of debt. After I spent paying my credit cards, I began to consider the possibility of eliminating that debt by not paying it. I began researching consumer forums to learn how other people were handling credit card debt they couldn’t pay. Many complained of being victimized by debt collectors and collection attorneys. Others, who put up resistance, were able to frustrate and defeat these collectors.

But, what worked for them might not necessarily work for me. I learned that beating debt collectors is not accomplished with a cookie cutter approach. There are different credit card companies, different state laws and different individual financial circumstances. It started to become a full time job; finding credible experts whose opinions and comments I could trust about what to put in letters to creditors, keeping track of everything and wasting time with debt service consolidation, elimination, and settlement sales pitches. Finally, I found an e-book written by someone who had done what I was trying to do, eliminate credit card debt by not paying it. HisCredit Card Debt Survival Guide is long enough, over 200 pages, to cover most specific situations, and it is peanuts (under $50) compared to what those debt service companies try to charge. This guy spent a lot of time researching credit card collection, the credit card industry and what people did to successfully walk away from credit card debt. There are a lot of links and references in this book attributed to credible third parties. He even covers credit repair. After reading this I know I made the right decision about my credit cards. And, now I know how to proceed confidently.

Photo Credit: Wonderlane

Here is a heap of free video tutorials on SharePoint for Developers.

Be sure to click on the following site to view a list of webcasts:SharePoint Videos

Microsoft SharePoint Products and Technologies Is another name for SharePoint. SharePoint encompasses the following products and services:

• Process management modules
• Search modules and a document-management platform
• Web browser based collaboration functions

SharePoint can be used to host web sites that access:

• Documents
• Host defined applications such as wikis and blogs
• Shared workspaces
• Information stores

All users can manipulate or interact with:

• Web parts
• Document libraries
• Lists

Background:

SharePoint is a collection of products that range from the base platform to a variety of services. The platform is Windows SharePoint Services (WSS), which is included with Windows Server and available as a free download for those with Windows Server licenses. (If you have Vista, but do not have Windows Server, you can use a free download from Bamboo nation to allow you to run SharePoint.) Services such as Microsoft Office SharePoint Server (MOSS) provide additional functionality and features and are licensed accordingly.

SharePoint Collection of Products:

SharePoint includes these components:

• Search Server 2008
• Forms Server 2007
• Microsoft Office SharePoint Server 2007 MOSS Standard
• Microsoft Office SharePoint Server 2007 MOSS Enterprise
• Microsoft Office Groove Server 2007
• Microsoft Office Project Server 2007
• Microsoft Office SharePoint Designer
• Windows SharePoint Services 3.0 (WSS)
• Search Server 2008 Express

SharePoint, as a collection of technologies, is not intended to simply replace a full file server or to be a single use solution. Instead, it is geared and positioned to play many roles in the business and enterprise environment. These assorted solutions that SharePoint provides fall under three different heads: Collaboration, Processes, and People.

Users access SharePoint through a web browser. All browsers are supported, but only Internet Explorer provides you with full functionality.

SharePoints sites are really ASP.NET 2.0 web sites that use a SQL Server database and that server by IIS. All site content data, such as items in document libraries and lists, are stored within an SQL database named by default as “WSS_Content_ID”.

Microsoft Search Server:

Microsoft Search Server (MSS) is an enterprise search platform from Microsoft. It builds on the search capabilities of Microsoft Office SharePoint Server. MSS shares its architectural underpinnings with the Windows Search platform for both the querying engine as well as the indexer. MOSS search provides the ability to search metadata attached to documents.

Microsoft has made Microsoft Search Server available as Search Server 2008, published March 2008. A free variation, Search Server 2008 Express, is also available. The express edition features the same feature set as the commercial edition, including no limitation on the number of files indexed. However, it is limited to a stand-alone installation and cannot be scaled out to a cluster.

Microsoft Office SharePoint Designer:

Microsoft Office SharePoint Designer is a free WYSIWYG HTML Editor that administrators can use to customize the design of the SharePoint site and that end users can use in designing workflows. SharePoint Designers is the heir apparent to Microsoft FrontPage and replaces it.

More Resources:

• SharePoint’s Founding Father, Jeff Teper, Talks About the SharePoint History, Vision, and Lessons Learned
• Sharepoint Community Portal
• Windows SharePoint Services
• Microsoft Office SharePoint Server 2007

This article provides links to three sets of video tutorial collections on C-Sharp. One of the collections is delivered by Dr. Joe Hummel. This video series subsists of 15 videos. The videos in this collection are entitled Modern Software Development: Architecting Solutions in C#. Another collection subsists of 10 videos on Microsoft’s Chief Architect for C-Sharp, Anders Hejlsberg. There is also a collection of 26 hours of videos by Bob Tabor on C-Sharp.

Background: C# is a simple, general-purpose, object-oriented programming language. Anders Hejlsberg is the chief architect for C#. C-Sharp’s syntax is based on the object-oriented syntax of C++. The most recent version of the language is 3.0, and it was published in conjunction with the .NET Framework 3.5 In 2007. The next proposed variant, 4.0, is in development.

According to Anders Hejslberg, it was the problems in other major programming languages, like Java, Delphi, and Smalltalk that guided the design of the Common Language Runtime (CLR), and the design of the CLR, in turn guided the design of C-Sharp.

In 1999, when Anders Hejlsberg formed a team to create the language, they originally planned to call it COOL, which stood for C-like Object Oriented Language. However, there were copyright problems with that name, and it was renamed C#. In music, C-Sharp means a half of a pitch higher, and, in programming, C-Sharp indicates that it eveolved out of C++.

Versions:

• C# 1.0 – introduced 2000 / released January 2002
• C# 1.2 – released April 2003
• C# 2.0 – published November 2005
• C# 3.0 – released November 2007
• C# 4.0 – in development

Goals Behind the Design:

• C# is intended to be a simple, modern, general-purpose, object-oriented programming language.

C-Sharp ought to support:

• Strong type checking
• Array bounds checking
• Automatic garbage collection
• Software robustness
• Durability
• Programmer productivity
• Detection of attempts to use uninitialized variables
• The language is for developing software parts suitable for deployment in distributed environments.
• The most important things are source code portability and programmer portability, principally for those programmers already familiar with C and C++.
• Another key feature is internationalization.
• C# is intended to be suitable for writing applications for embedded and hosted systems

Distingushing Features of C#

• In C#, memory address pointers can only be used within blocks specifically marked as unsafe, and programs with unsafe code need appropriate permissions to run.
• Managed memory cannot be explicitly freed; instead, it is automatically garbage collected.
• No global functions or variables. All methods and members must be declared within classes. Static members of public classes can substitute for global variables and functions.
• Local variables cannot shadow variables of the enclosing block, unlike C and C++.
• Multiple inheritance is not supported, although a class can implement any number of interfaces.
• C# is more typesafe than C++.

Here is a congregation of over 35 hours of rich video tutorials on ASP.NET by Learn Visual Studio. In order to view some of the the videos, you have to to become a card-carrying member of Learn Visual Studio.

Be sure to click on this website to view a library of videos:15 Hours of Free Videos on Essential ASP.NET by Fritz Onion

Background: ASP.NET is a web application framework advanced by Microsoft. The framework makes it possible for programmers to piece together dynamic web sites, web applications and web services. ASP.NET is manufactured on the Common Language Runtime (CLR). The CLR allows programmers to manufacture ASP.NET code using any supported .NET language.

You need to click on this site to look at a list of videos:84 ASP.NET Video Tutorials

Succeeding the release of Internet Information Services 4.0 in 1997, Microsoft began researching possibilities for a another web application model that would throw light upon usual complaints about ASP, primarily pertaining to separation of presentation and content and being able to built “clean” code. Mark Anders, a manager on the IIS team, and Scott Guthrie, who had joined Microsoft in 1997 succeeding graduating from Duke University, were tasked with determining what that model would look like.

Please click on this site to look at a catalog of webcasts:35 Hours of Premium Videos on ASP.NET by Bob Tabor

The earliest variation was called “XSP”, but the “X” did not in truth stand for anything. It was decided to piece together the new platform on top of the Common Language Runtime (CLR), as it offered an object-oriented programming environment, garbage collection and other features that were seen as desirable features that Microsoft’s Component Object Model platform didn’t support.

XSP was renamed to ASP+ as it was seen as being the offspring of Active Server Pages. Then, in 2000, it was renamed to ASP.NET to emphasize that it rested on the underlying .NET framework.

Versions: ASP.NET 1.0 was released in January of 2002. 2.0 was released in November 2005, and 3.0 in November 2006. The current variation is 3.5, and it came out in November 2007. 4.0 is scheduled to released in the next few months.

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